Re: Financial adviser
Jean,
Most financial advisors are looking for people (customers) to make an investment and make a commission. I worked in the field for many years. I think you are more looking for someone to help with reducing your debt and what strategies. There are debt counselors out there but most of them charge crazy fees. Consumer Credit Cousneling which is a non-profit maybe able to help you. Look in your yellow pages. However, I think most people with a bit discipline can probably do it themselves. Educating yourself is absolutely essential.
edited after reading Terry's response
I agree 100% with Terry. Do not touch that retirement plan. You and your husband really need to set down and set up a budget. You need to look at every single dollar coming in. You will even need to sit the older boys and get them to buy in. Life is going to be tough. But I see lots of excuses that you are making for them on not gettting in the plan. Money problems are tough and the number one stresser on marriages. But touching that 401k may solve the debt temporarily but it help with the budget overall. You could be in the same place 1 to 2 yrs down the road because you didn't learn how to budget. This time no safety net because you cashed out the the 401k. Feel free to post some real numbers either on the board or to me via PM.
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